Blue cross blue shield dental insurance for individuals

Coronavirus Update

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Get three free cleanings and more
High Option
Standard Option
Visit BCBS FEP Dental
View Dental Plan Details
Find a Dentist
Understanding Your Dental Benefits
Understanding Your Dental Premium
Average Cost Savings

See how we’re supporting BCBS FEP Dental members’ health and well-being during this time, including following the Centers for Disease Control and Prevention (CDC) and American Dental Association (ADA) guidelines and protocols. Learn more here.

Get three free cleanings and more

A healthy smile is an important part of your overall health. That’s why BCBS FEP Dental offers the supplemental coverage you and your family need to keep your teeth healthy, including three free cleanings a year. We’re proud to offer our coverage to federal employees and retirees plus eligible retired uniformed service members.

These benefits are neither offered nor guaranteed under contract with the FEHB Program but are made available to all enrollees and family members who become members of BCBS FEP Dental.

Free in-network preventive care, including up to three dental cleanings a year
A large nationwide network with over 488,000 provider access points
No deductibles for in-network services like fillings and root canals
Benefits starting from day one of your coverage being active
An unlimited annual benefit with our High Option
Benefits that work overseas
Access to health and wellness discounts with Blue365®

High Option

Three free cleanings a year
Unlimited annual maximum for in-network benefits
$3,000 annual maximum for out-of-network benefits

Standard Option

Three free cleanings a year
$1,500 annual maximum for in-network benefits
$750 annual maximum for out-of-network benefits

Visit BCBS FEP Dental

Learn more about our supplemental dental plan.

Learn More

View Dental Plan Details

Get comprehensive details of BCBS FEP Dental coverage and benefits.

Download the Brochure

Find a Dentist

Search our directory of providers or call 1-855-504-BLUE (2583).

Find a Provider

Understanding Your Dental Benefits

Understanding your�Blue Cross Blue Shield�FEP Dental coverage is the key to making the most of your benefits, keeping your smile healthy and protecting your overall health.

Need help understanding and choosing a benefit plan? Our AskBlueSM BCBS FEP Dental Plan Finder tool can help you select the right plan for your needs.

We want you to be informed so that you can get the most appropriate and cost-effective care. Check out our Member Education Materials to get more information about�Blue Cross Blue Shield�FEP Dental's value and offerings.

Benefits ChartBenefits Chart - High Option

High Option	High Option	Standard Option
What you pay for common services
	IN-NETWORK	OUT-OF-NETWORK	IN-NETWORK	OUT-OF-NETWORK
Class A (Basic) Services e.g., exams, cleanings, X-rays, sealants	You pay nothing	You pay 10%	You pay nothing	You pay 40%
Class B (Intermediate) Services e.g., oral surgery, fillings, gum scaling	You pay 30%	You pay 40%	You pay 45%	You pay 60%
Class C (Major) Services e.g., crowns, bridges, implants, root canals, dentures	You pay 50%	You pay 60%	You pay 65%	You pay 80%
Class D (Orthodontics) Services Adults & Children	You pay 50% up to $3,500 lifetime maximum per person	You pay 50% up to $3,500 lifetime maximum per person	You pay 50% up to $2,500 lifetime maximum per person	You pay 50% up to $1,250 lifetime maximum per person
Annual Deductible for Class A, B and C Services Does not apply to Class D (Orthodontics)	You pay no deductible	You pay $50 per person	You pay no deductible	You pay $75 per person
Annual Maximum Benefits for Class A, B and C Services Does not apply to Class D (Orthodontics)	No benefit limit	We pay up to $3,000 per person	We pay up to $1,500 per person	We pay up to $750 per person

Benefits Chart - Standard Option

Standard Option
What you pay for common services
	IN-NETWORK	OUT-OF-NETWORK
Class A (Basic) Services e.g., exams, cleanings, X-rays, sealants	You pay nothing	You pay 40%
Class B (Intermediate) Services e.g., oral surgery, fillings, gum scaling	You pay 45%	You pay 60%
Class C (Major) Services e.g., crowns, bridges, implants, root canals, dentures	You pay 65%	You pay 80%
Class D (Orthodontics) Services Adults & Children	You pay 50% up to $2,500 lifetime maximum per person	You pay 50% up to $1,250 lifetime maximum per person
Annual Deductible for Class A, B and C Services Does not apply to Class D (Orthodontics)	You pay no deductible.	You pay $75 per person
Annual Maximum for Class A, B and C Services Does not apply to Class D (Orthodontics)	We pay up to $1,500 per person	We pay up to $750 per person

Understanding Your Dental Premium

We calculate our dental premiums based on your location (rating areas) and the plan option you select.

Use our Premium Finder to easily find your premium amount or take a look at the tables below to determine your premiums.

To find your premium, locate your state and/or zip code in the rating area table below and to identify your rating area.

Rating Area Chart - Section 1Rating Area Chart

State	First 3 digits of your ZIP Code	Rating Area
AK	Entire State	5
AL	Entire state	1
AR	Entire state	2
AZ	855, 859-860, 863-865	2
AZ	850-853	3
AZ	Rest of state	1
CA	900-908, 910-928, 930-931, 933-935	4
CA	900-908, 910-928, 930-931, 933-935	4
CA	939-952, 954, 956-959	5
CA	939-952, 954, 956-959	5
CA	Rest of state	2
CO	Entire state	4
CT	060-063	5
CT	Rest of state	4
DC	Entire area	3
DE	Entire state	2
FL	330-334, 349	2
FL	330-334, 349	2
FL	Rest of state	1
GA	Entire state	1
GU	Entire area	1
HI	Entire state	3
IA	500-514, 516, 520-528	3
IA	Rest of state	2
ID	Entire state	4
IL	600-609, 613	2
IL	612	3
IL	Rest of state	1
IN	463-464	2
IN	Rest of state	1
KS	664-665, 667-679	2
KS	Rest of state	1
KY	Entire state	1
LA	Entire state	1
MA	010-011, 013-027, 055	5
MA	Rest of state	3
MD	205-212, 214, 216-217	3
MD	Rest of state	2
ME	039-042	5
ME	Rest of state	2
MI	480-485	2
MI	Rest of state	1
MN	550-551, 553-555, 563	4
MN	Rest of state	3
MO	726	2
MO	Rest of state	1
MS	Entire state	1
MT	Entire state	1
NC	270-274, 278, 280-282, 284-289	2
NC	275-277, 283	3
NC	Rest of state	1
ND	Entire state	5
NE	Entire state	2
NH	030-033, 038	5
NH	Rest of state	3
NJ	070-079, 085-089	4
NJ	Rest of state	2
NM	Entire state	1
NV	897	5
NV	Rest of state	2
NY	120-123, 128	3
NY	005, 100-119, 124-126	4
NY	063	5
NY	Rest of state	2
OH	Entire state	1
OK	Entire state	1
OR	970-973	4
OR	Rest of state	2
PA	189-196	2
PA	172-174	3
PA	180-181, 183	4
PA	Rest of state	1
PR	Entire area	1
RI	Entire state	5
SC	Entire state	2
SD	Entire state	1
TN	Entire state	1
TX	Entire state	1
UT	Entire state	2
VA	201, 205, 220-227	3
VA	Rest of state	1
VI	Entire area	1
VT	Entire state	5
WA	980-985	5
WA	Rest of state	4
WI	540	4
WI	Rest of state	3
WV	254	3
WV	Rest of state	1
WY	834	4
WY	Rest of state	2
INTL	International	1

Rating Area Chart - Section 2

State	First 3 digits of your ZIP Code	Rating Area
KY	Entire state	1
LA	Entire state	1
MA	010-011, 013-027, 055	5
MA	Rest of state	3
MD	205-212, 214, 216-217	3
MD	Rest of state	2
ME	039-042	5
ME	Rest of state	2
MI	480-485	2
MI	Rest of state	1
MN	550-551, 553-555, 563	4
MN	Rest of state	3
MO	726	2
MO	Rest of state	1
MS	Entire state	1
MT	Entire state	1
NC	270-274, 278, 280-282, 284-289	2
NC	275-277, 283	3
NC	Rest of state	1
ND	Entire state	5
NE	Entire state	2
NH	030-033, 038	5
NH	Rest of state	3
NJ	070-079, 085-089	4
NJ	Rest of state	2
NM	Entire state	1
NV	897	5
NV	Rest of state	2
NY	120-123, 128	3
NY	005, 100-119, 124-126	4
NY	063	5

Rating Area Chart - Section 3

State	First 3 digits of your ZIP Code	Rating Area
NY	Rest of state	2
OH	Entire state	1
OK	Entire state	1
OR	970-973	4
OR	Rest of state	2
PA	189-196	2
PA	172-174	3
PA	180-181, 183	4
PA	Rest of state	1
PR	Entire area	1
RI	Entire state	5
SC	Entire state	2
SD	Entire state	1
TN	Entire state	1
TX	Entire state	1
UT	Entire state	2
VA	201, 205, 220-227	3
VA	Rest of state	1
VI	Entire area	1
VT	Entire state	5
WA	980-985	5
WA	Rest of state	4
WI	540	4
WI	Rest of state	3
WV	254	3
WV	Rest of state	1
WY	834	4
WY	Rest of state	2
INTL	International	1

Once you have identified your rating area, you can view premium amounts for our available plans in the premium table below.

Premium High Options ChartPremium High Options Chart - Self Only

High Option Premiums
Rating Area	Self Only	Self + One	Self & Family
BI-WEEKLY	MONTHLY	BI-WEEKLY	MONTHLY	BI-WEEKLY	MONTHLY
1	$18.02	$39.04	$36.05	$78.11	$54.07	$117.15
2	$20.19	$43.75	$40.38	$87.49	$60.57	$131.24
3	$21.98	$47.62	$43.97	$95.27	$65.95	$142.89
4	$23.81	$51.59	$47.62	$103.18	$71.43	$154.77
5	$26.65	$57.74	$53.29	$115.46	$79.94	$173.20

Premium High Options Chart - Self + one

High Option Premiums
Rating Area	Self + One
BI-WEEKLY	MONTHLY
1	$36.05	$78.11
2	$40.38	$87.49
3	$43.97	$95.27
4	$47.62	$103.18
5	$53.29	$115.46

Premium High Options Chart - Self and Family

High Option Premiums
Rating Area	Self & Family
BI-WEEKLY	MONTHLY
1	$54.07	$117.15
2	$60.57	$131.24
3	$65.95	$142.89
4	$71.43	$154.77
5	$79.94	$173.20

Premium Standard Options ChartPremium Standard Options Chart - Self Only

Standard Option Premiums
Rating Area	Self Only	Self + One	Self & Family
BI-WEEKLY	MONTHLY	BI-WEEKLY	MONTHLY	BI-WEEKLY	MONTHLY
1	$9.19	$19.91	$18.38	$39.82	$27.58	$59.76
2	$10.07	$21.82	$20.15	$43.66	$30.22	$65.48
3	$11.45	$24.81	$22.89	$49.60	$34.31	$74.34
4	$12.36	$26.78	$24.70	$53.52	$37.03	$80.23
5	$13.65	$29.58	$27.31	$59.17	$40.96	$88.75

Premium Standard Options Chart - Self + one

Standard Option Premiums
Rating Area	Self + One
BI-WEEKLY	MONTHLY
1	$18.38	$39.82
2	$20.15	$43.66
3	$22.89	$49.60
4	$24.70	$53.52
5	$27.31	$59.17

Premium Standard Options Chart - Self and Family

Standard Option Premiums
Rating Area	Self & Family
BI-WEEKLY	MONTHLY
1	$27.58	$59.76
2	$30.22	$65.48
3	$34.31	$74.34
4	$37.03	$80.23
5	$40.96	$88.75

If you have further questions, call Customer Service at 1-855-504-2583 in the U.S. or 1-651-994-2583 collect outside the U.S.

Average Cost Savings

BCBS FEP Dental has a larger nationwide network with nearly half a million provider access points. Use our Find a Provider tool to locate a dentist in the BCBS FEP Dental network or call us at 1-855-504-2583 for assistance.

Average Cost Savings ChartAverage Cost Savings Chart - What you pay with High Option

	What you pay with High Option*	What you pay with High Option*	What you pay with Standard Option*	Average cost without BCBS FEP Dental
Two Dental Exams	$0	$0	$120
Three Cleanings	$0	$0	$305
One Set of X-rays	$0	$0	$170
Two Fillings1	$65	$97	$350
One Root Canal (molar)	$450	$580	$1,570
One Crown (porcelain)	$435	$565	$1,540
What you pay out-of-pocket	$950	$1,242	$4,055
*Assumes you visit in-network providers.
1 Anterior tooth colored, one surface each.

Average Cost Savings Chart - What you pay with Standard Option

What you pay with Standard Option*
Two Dental Exams	$0
Three Cleanings	$0
One Set of X-rays	$0
Two Fillings1	$97
One Root Canal (molar)	$580
One Crown (porcelain)	$565
What you pay out-of-pocket	$1,242

Average Cost Savings Chart - Average cost without BCBS FEP Dental

Average cost without BCBS FEP Dental
Two Dental Exams	$120
Three Cleanings	$305
One Set of X-rays	$170
Two Fillings1	$350
One Root Canal (molar)	$1,570
One Crown (porcelain)	$1,540
What you pay out-of-pocket	$4,055
*Assumes you visit in-network providers.
1 Anterior tooth colored, one surface each.